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Consisting of the combination in 1899 of the Actuaries Club (1848) and the Institute of Actuaries Club (1855); chairman, Charles Daniel Higman; honorary treasurer, Ernest Woods; honorary secre tary, Geoffrey Marks.

ASSOCIATED SCOTTISH LIFE ASSURANCE OFFICES.

Established 1840. Object-The advancement of the business of life assurance in Scotland, by promoting uniformity of practice among the officers in matters of general administration, by watching over all legislative measures bearing upon life assurance, with a view to joint action in regard to them, and by affording opportunities for consultation and co-operation on all matters affecting the common interests of the offices. Chairman, J. Graham Watson; hon. secretary, Philip R. D. Maclagan, F. R. S. E., Edinburgh.

BIRMINGHAM INSURANCE INSTITUTE.

Founded 1887. Objects-(1) The reading of papers and delivering of lectures by members, or experts who are not members, upon subjects connected with insurance business generally. (2) The discussion of all questions relating to such business. (3) The promotion of social intercourse amongst members of the profession in Birmingham and district. Ordinary general meetings are held on the last Friday in

each month, from October to March, both inclusive. The annual general meeting is held at the beginning of each session. President, A. J. Lewis; vice-presidents, T. W. Jamison, J. Headon Boocock; honorary treasurer, A. R. Winn; honorary secretary, Alexander Latta; librarian, F. C. W. Cox.

EDINBURGH INSURANCE CHESS CLUB.

(Affiliated with the Scottish Chess Association.)

Arrangements have been made with the Philosophical Chess Club whereby the club will meet every Monday and Friday during the season, extending from October 1 to April 1, between the hours of 7 and 11 p. m. Club tournaments, matches with other clubs and inter-office matches will be held during the season. The club is open to members of the insurance profession and of the faculty of actuaries in Scotland. Gentlemen desirous of joining are requested to communicate with the secretary, at 67 George Street. Club rooms-Philosophical Institution, 4 Queen Street, Edinburgh. President, D. Y. Mills; match captain, ex. Fraser; honorary secretary and treasurer, H. E. Smith.

FACULTY OF ACTUARIES IN SCOTLAND.

Constituted 1856. Incorporated by Royal Charter 1868. Hall, 24 George Street, Edinburgh. President, Niel B. Gunn; vice-presidents, Geo. M. Low, F. R. S. E., David Deuchar and A. H. Turnbull; honorary secretary, Í. J. M'Lauchlan; honorary treasurer, Wm. G. Walton; council, Geo. C. Stenhouse, James Chatham, Gordon Douglas, Lewis P. Orr, J. M. Warden, James Watt, A. E. Sprague and W. S. Nicoll; Arch. Hewat, Thomas Kyd, John Lamb, Wm. A. Sim, also ex-officio, the president, vicepresidents, hon. secretary and hon. treasurer; secretary, Vivian Marr, 22 George Street, Edinburgh. Honorary Fellows: H. Blackburn, M. A.; F. Fuller, M. A., LL.D.; D. Clunie Gregor and T. B. Sprague, M. A., LL.D.

FEDERATION OF INSURANCE INSTITUTES OF GREAT BRITAIN AND IRELAND. Instituted March 12, 1897. President, David Deuchar; honorary treasurer, Thomas A. Bentley; secretary, Chas. Stevenson, 9 Albert Square, Manchester; executive consists of two representatives each from the Federated Institutes; educational committee consists of the examiners elected annually by conference; publication committee, two representatives from the Institute of Birmingham, and two from the Insurance and Actuarial Society of Glasgow.

INSTITUTE OF ACTUARIES.

Founded 1848. Incorporated by Royal Charter 1884. Staple Inn, Holborn, W. C. President, William Hughes; vice-presidents, Arthur F. Burridge, Thomas G. C. Browne, Geo. King, Ernest Woods; treasurer, Henry Cockburn; honorary secretaries, Geo. Todd, Frederick Schooling; honorary librarians, Geoffrey Marks, Henry W. Andras; auditors, Bernard Woods, Henry E. Wilson, Wm. M. Monilaws; honorary editor of the Journal, George King; honorary sub-editor, Henry J. Baker; assistant secretary, Š. H. Jarvis; honorary member, Lieut.-Col. W. H. Oakes, Sevenoaks. Note-Persons intending to study should apply to the assistant secretary.

INSURANCE AND ACTUARIAL SOCIETY OF GLASGOW.

Established 1881. Objects-(1) The promotion of the study of the principles of fire and life assurance and of assurance against other contingencies. (2) The consideration of all subjects to which the doctrine of probabilities may be applied, as well as the best methods of collecting and applying statistics. (3) The consideration of questions bearing on social science or political economy. (4) The formation of a library of professional works for the use of the members. President, James Stirling; vice-presidents, A. K. Rodger, N. B. Gunn and Henry G. Andrews; honorary treasurer, W. C. Rankin; honorary secretary, Stewart Lawrie; auditor, W. W. Naismith.

INSURANCE ASSOCIATION OF MANCHESTER. Objects-To encourage the delivery of essays and lectures upon subjects connected with insurance, and discussion thereon; of organizing visits of inspection, and of promoting social intercourse amongst those connected with insurance companies. President, T. B. Willer; vice-presidents, J. H. Bagshaw, Charles F. Brenan, G. L. Lambert, E. Rome, W. H. Hoyle and A. H. Heal; honorary treasurer, A. M. Allen; honorary secretary, W. H. Bibby.

INSURANCE CHESS CLUB.

Established 1893. Objects-The promotion of chess amongst insurance men by private play, by matches between offices, and by matches with other clubs. The club was also entered (for 1903-1904) in the "A" division of the London Chess League. The club meets on Mondays and Thursdays, after 4.30 p. m., from October to April, at the "Cabin," 6 Old Jersey, E. C. President, G. H. Ryan; honorary treasurer, G. C. Morant; honorary secretary, G. S. Vinen; auditors, R. Masters and J. S. Runtz.

INSURANCE CLERKS' ORPHANAGE.

Incorporated July, 1902, under the Companies acts, 1862 to 1900. The liability of each member is limited to 5s. The objects for which the institution is established are: To maintain and educate children of deceased persons who were or had been at or before the time of their death officers, or clerks of companies, or associations, carrying on the business of insurance in the United Kingdom, and children of persons who from time to time are or have been officers, or clerks of such companies, or associations, but who from physical or mental infirmity are unable to provide for their families. The education provided by the Institution shall include biblical teaching, but the Institution shall be unsec tarian. To provide the children (as part of their maintenance) with all necessary and proper clothing, board, lodging and medicine and medical and surgical attendance, appliances, nursing and comforts. Founder, Albert D. Brookes, Clifton, Bristol. President, The Right Honorable Lord Rothschild, G.C. V.O.; general committee, Samuel J. Pipkin, chairman; E. H. Holt, deputy chairman; solicitors, Messrs. Gard, Rook & Winterbotham, 2 Gresham buildings, Basinghall Street, E. C.; bankers, London and County Bank, Lombard Street, E. C.; honorary auditors, Messrs. Price, Waterhouse & Co., Frederick's Place, Old Jewry, E. C.; office, il Queen Street, Cheapside, London, E. C.; secretary, R. C. Cole. Members and subscribers may commence their annual subscriptions on any of the following dates, viz.; February 1, May 1, August 1 or November 1, and all future subscriptions will be due on the date so selected. Five shillings annually qualifies for membership, £3 3s. in one sum qualifies for life membership.

INSURANCE INSTITUTE OF BRISTOL.

Objects-Social intercourse amongst members and the cultivation of knowledge on insurance subjects. President, James Bolton; vice-presidents, B. A. Carter, J. Mason Guttridge, W. Blair, J. Y. Crowe, Geo. C. Glasson; past presidents, Henry L. Riseley, Albert D. Brookes, W. Wilkes Woodhill, S. G. Moxey, Graham H. Wills; honorary treasurer, J. M. Guttridge; honorary secretary, Wm. Pearce Tapp, Jr.; assistant secretary, H. W. Cary.

INSURANCE INSTITUTE OF IRELAND.

(3) An

Dublin. Objects-(1) The promotion of the study of the principles of fire and life assurance, and of assurance against other contingencies. (2) The consideration of all subjects to which the doctrine of probabilities may be applied, as well as the best methods of collecting and applying_statistics. organization for any purpose necessary for the requirements of the profession. (4) The promotion of a good understanding amongst the members of the insurance profession in Ireland. President, Henry C. Poulter; vice-presidents C. Chevalier Cream, Bernard H. O'Reilly, C. W. Fiennes; honorary treasurer, A. H. Fletcher; honorary secretary, W. A. McConnell; honorary librarian, Pat. B. Carphin.

INSURANCE INSTITUTE OF MANCHESTER.

President, Thomas A. Bentley; vice-presidents, J. London, R. McConnell, James Ostler; honorary secretary, H. M. Bentley; treasurer, Chas. Hobbins.

THE INSURANCE INSTITUTE OF NEWCASTLE-ON-TYNE.

Founded 1896. Objects (1) The reading of papers and the delivery of lectures by members, or experts not members, upon subjects connected with insurance business generally. (2) The discussion of all questions relating thereto. (3) The formation of a library for the use of members. (4) The promotion of social intercourse amongst the members. President, James Hopper; vice-presidents, H. P. Blunt; F. W. Pauton, C. Shutt and J. S. Waterstone; honorary treasurer, H. A. Brownfoot; honorary secretary, J. H. Chapman; honorary librarian, H. P. Blunt.

INSURANCE INSTITUTE OF YORKSHIRE.

Objects-The delivery of lectures on subjects connected with insurance business, the discussion of questions relating thereto, and generally, the promotion of social intercourse amongst the members of the insurance profession in Yorkshire. Meetings-Philosophical House, Park Row, Leeds. President, P. L. Newman; ex-presidents, ex-officio members of council, T. S. Riley, James Wardle, J. B. Roberts, J. W. Wooten and C. M. Tate; vice-presidents, J. P. Eddison, F. R. Hardingam, D. M. Linley, F. J. Allen, A. H. Cowpe and W. Holbrook; honorary treasurer, W. Riley; honorary librarian, W. A. Holroyd; honorary secretary, Edward Bagshaw; honorary auditors, F. Atterton, T. Brown.

INSURANCE SOCIETY OF EDINBURGH.

Established 1901. President, David Deuchar; vice-presidents, Alexander Duncan, P. R. D. Maclagan, F.R.S.E.; David Paulin, F.R.S.E.; Henry Brown; treasurer, D. M. Cameron; secretary, Robert Taylor. LIFE ASSURANCE MEDICAL OFFICERS' ASSOCIATION.

Object-The discussion of the Medical aspect of subjects connected with life assurance, with a view to obtaining increased information and greater unity of opinion. President, Sir Dyce Duckworth; vicepresidents, Hector Mackenzie, R. Hington Fox; treasurer, G. A. Heron; secretaries, A. T. Davies and F. Parkes Weber

THE LIFE OFFICES' ASSOCIATION.

Established March 18, 1889. Object-The advancement of the business and the protection of the interests of life assurance, so far as can be secured by consultation and combined action upon questions appertaining to the interests common to life offices. The association is open to companies having their head offices in Great Britain or Ireland, or in any colony or dependency of the Empire, and making returns under the life assurance companies' acts. Chairman, G. H. Ryan; deputy chairman, H. Cockburn; honorary secretary and treasurer, J. Charles Wardrop.

Founded 1886.

NORWICH INSURANCE INSTITUTE.

Secretaries' Office, 7 Surrey Street, Norwich. Patrons, Major F. Astley Cubitt, S. Gurney Buxton; president, C. A. Bathurst Bignold; vice-presidents, A. R. Anderson, J. F. Cubitt, H. D. Curnick, F. Dalton, J. J. W. Deuchar, A. Dixon, Geo. Gibb, J. Montgomery Hare, Henri De Heyn, J. B. Laidlaw, John Large, W. H. Lowden, C. E. Noverre, Hugh Panton, F. Oddin Taylor, JT. Ward, James Watson, Joseph Watson; treasurer, C. R. Quinton; auditor, L. B. Fugi; librarian, W. T. Blazeby; curator, G. O. Clark; assistant curator, F. J. Hall; microscopist and photographer, G. Reeve; secretary, E. B. Corsbie; assistant secretary, C. S. Weston.

NOTTINGHAM INSURANCE INSTITUTE.

Founded 1898. Objects-The reading of papers and delivery of lectures upon subjects connected with insurance business generally, the discussion of all questions relating thereto, and the promotion of social intercourse amongst the members of the profession in Nottingham and district. President, R. H. Russell; vice-president, W. G. Neish; honorary secretary, T. B. Redgate; honorary treasurer, James Haslam.

REGISTRY OF FRIENDLY SOCIETIES.

No. 28 Abingdon Street, Westminster, S. W. Chief registrar, E. W. Brabrook, F.S.A.; assistant registrar, J. Duncan S. Sim; chief clerk, George Brown; actuarial clerk, A. M. Leveaux.

ROYAL STATISTICAL SOCIETY.

No. 9 Adelphi Terrace, Strand, W. C., London. Honorary president, H. R. H. The Prince of Wales, K. G.; honorary vice-presidents (having filled the office of president, The Right Hon. George Shaw-Lefevor, The Right Hon. Lord Brassey, K.C.B.; Sir Robert Giffen, K.C.B.; LL.D., F.R.S.; The Right Hon. Viscount Goschen, F.R.S.; Charles Booth, D.Sc., F.R.S.; Sir Alfred Edmund Bateman, K.C.M.G.; The Right Hon. H. Courtney, M.A., M.P.; The Right Hon. Sir Fowler, G.C.S.I., M.P.; The Right Hon. Lord Avebury; president, Major Patrick George Craigie, C.B.; vice-presidents, E. W. Brabrook, C.B.; Prof. F. Y. Edgeworth, M.A., D.C.L.; Sir Francis S. Powell, Bart., M.P.; The Right Hon. Earl of Verulam; bankers, Messrs. Drummond, Charing Cross, S. W., London; honorary secretaries, J. A. Baines, C. S. I. (and foreign); N. A. Humphreys, R. H. Rew; treasurer, R. Biddulph Martin; secretary and editor of the Journal, Benedict W. Ginsburg, M.A., LL.D.; chief clerk and librarian, John A. P. Mackenzie.

TOTAL SUMS INSURED AND FUNDS OF BRITISH LIFE OFFICES.

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TOTAL SUMS INSURED AND FUNDS OF BRITISH LIFE OFFICES-Continued.

NAME.

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Insurance in
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Life Fund at
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INTEREST OF BRITISH LIFE OFFICES.

MEAN RATE OF INTEREST REALIZED BY THE FOLLOWING OFFICES ON THE INVEsted FundS AT DATE OF LATEST VALUATION.

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